Banking and Lending

Banking and Lending Legal Services We Provide:

Loan Documentation Services

Customized Loan Documentation: Our expertise extends to preparing loan documents for a wide array of loans, including commercial real estate, commercial asset based, commercial construction, residential real estate, owner interim construction, home equity, spec house construction, real estate development, and more specialized areas such as SBA (7a and 504), guidance lines, agricultural, and oil and gas loans. We prepare loan modifications, assumptions, and releases. Our approach is designed to simplify the process for loan officers, processors, and reviewers, ensuring efficiency and accuracy at every step.

Loan Workouts, Foreclosures, and Debt Collections

Navigating Problem Loans: When loans deviate from their expected course, our team is skilled in executing workouts, modifications, and foreclosures. We aim to get problem loans back on track whenever possible, utilizing strategies from demand letters to more complex foreclosure proceedings, including home equity foreclosures and UCC collateral liquidations.

Efficient Resolution and Collection: Our goal is to resolve issues efficiently, minimizing impact and maximizing recovery. Our expertise includes navigating the collection process post-foreclosure, ensuring that our clients' interests are protected and pursued with diligence.

Advisory and Other Services

Comprehensive Support on Loan-Related Matters: Our advisory services cover a wide range of issues that can arise during the lending process, from loan structure, homestead, and title issues to questions about collateral. Our team is ready to provide prompt and informed answers, helping you navigate these complexities with confidence.

Regulatory Guidance and Corporate Governance: Beyond individual transactions, we offer guidance on regulatory compliance and day-to-day banking operations. We also support financial institutions in matters of corporate governance, including the review and updating of governing documents and assistance with shareholder and director meetings.

Why Choose Texas Horizons Law Group for Your Banking and Lending Legal Needs?

When it comes to navigating the complexities of banking and lending law in Texas, having the right legal partner is crucial. At Texas Horizons Law Group, we combine deep local expertise with a comprehensive understanding of banking and lending law to offer unmatched legal services to our clients. Our team brings:

• Specialized Knowledge. Our attorneys are not just practitioners of law; they include attorneys Board Certified in Commercial Real Estate Law, Residential Real Estate Law, Farm and Ranch Real Estate Law, and Oil, Gas and Mineral Law by the Texas Board of Legal Specialization.
• Innovative Software Solutions: We leverage advanced software to develop and code our own loan forms, allowing us to offer both time-tested document sets and the flexibility to incorporate any custom forms or language required by our clients. Our commitment to continuous improvement means our documents are always evolving to meet the highest standards.
• Fixed Fees and No Surprises: Understanding the importance of predictability, we charge fixed fees for nearly all our loan document preparations, eliminating surprises at closing. This transparency extends to our handling of rush jobs—at no extra charge—and our policy of not charging for redraws or negotiations and drafting revisions to loan documents as part of our fixed fee.
• A Proven Track Record. Our firm's reputation is built on a foundation of success. Our attorneys have consistently delivered results for our clients. Our track record speaks for itself, and it's a testament to the high standards of excellence we uphold in our practice.
• A Commitment to Client Service. At the heart of Texas Horizons Law Group is a commitment to exceptional client service. We pride ourselves on our responsiveness, transparency, and the ability to simplify complex legal issues for our clients. We aim to be frictionless and a seamless part of your operations.
• Forward-Thinking Legal Strategies. Leveraging the latest legal technologies and strategies, we provide forward-thinking advice that addresses today's challenges and anticipates tomorrow's opportunities.